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TFS Financial Corporation (TFSL)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US87240R1077
CUSIP
87240R107
IPO Date
Apr 23, 2007

Highlights

Market Cap
$3.98B
Enterprise Value
$3.95B
EPS (TTM)
$0.32
PE Ratio
43.47
PEG Ratio
11.43
Total Revenue (TTM)
$796.46M
Gross Profit (TTM)
$242.64M
EBITDA (TTM)
$104.06M
Year Range
$11.29 - $15.42
Target Price
$15.00
ROA (TTM)
0.52%
ROE (TTM)
4.78%

Share Price Chart


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TFS Financial Corporation

Performance

Performance Chart

The chart shows the growth of an initial investment of $10,000 in TFS Financial Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.


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S&P 500 Index

Returns By Period

TFS Financial Corporation (TFSL) has returned 7.20% so far this year and 23.22% over the past 12 months. Over the last ten years, TFSL has returned 4.37% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.


TFS Financial Corporation

1D
2.33%
1M
2.31%
YTD
7.20%
6M
11.05%
1Y
23.22%
3Y*
12.97%
5Y*
0.29%
10Y*
4.37%

Benchmark (S&P 500 Index)

1D
2.91%
1M
-5.09%
YTD
-4.63%
6M
-2.39%
1Y
16.33%
3Y*
16.69%
5Y*
10.18%
10Y*
12.16%
*Multi-year figures are annualized to reflect compound growth (CAGR)

Monthly Returns

Based on dividend-adjusted daily data since Apr 23, 2007, TFSL's average daily return is +0.03%, while the average monthly return is +0.57%. At this rate, your investment would double in approximately 10.2 years.

Historically, 55% of months were positive and 45% were negative. The best month was Dec 2012 with a return of +17.0%, while the worst month was Aug 2010 at -26.3%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 6 months.

On a daily basis, TFSL closed higher 49% of trading days. The best single day was Mar 26, 2020 with a return of +10.3%, while the worst single day was Aug 5, 2010 at -19.2%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20265.19%-0.39%2.31%7.20%
20259.24%-3.86%-3.94%4.60%1.93%0.16%1.24%7.25%-4.29%0.95%7.14%-4.23%15.95%
2024-9.33%-4.28%0.66%-4.38%9.74%-2.01%7.45%0.15%-3.20%-0.08%10.04%-9.35%-6.73%
2023-1.11%1.68%-11.08%-4.67%-3.71%11.14%15.43%-6.20%-11.30%0.34%13.74%11.20%11.18%
2022-2.74%-1.21%-1.71%-9.70%0.20%-6.80%6.70%-2.39%-7.26%8.08%-0.84%5.57%-12.98%
20210.23%10.53%5.71%-3.98%13.29%-7.24%-4.04%2.62%-3.28%2.10%-6.09%-0.72%7.13%

Benchmark Metrics

TFS Financial Corporation has an annualized alpha of 1.61%, beta of 0.62, and R² of 0.26 versus S&P 500 Index. Calculated based on daily prices since April 24, 2007.

  • This stock participated in 68.61% of S&P 500 Index downside but only 57.87% of its upside — more exposed to losses than it benefited from rallies.
  • Beta of 0.62 may look defensive, but with R² of 0.26 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
  • R² of 0.26 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.

Alpha
1.61%
Beta
0.62
0.26
Upside Capture
57.87%
Downside Capture
68.61%

Return for Risk

Risk / Return Rank

TFSL ranks 73 for risk / return — better than 73% of stocks on our site. You're getting solid returns for the risk taken. A good sign, especially for investors who want growth without excessive volatility.


TFSL Risk / Return Rank: 7373
Overall Rank
TFSL Sharpe Ratio Rank: 7474
Sharpe Ratio Rank
TFSL Sortino Ratio Rank: 6767
Sortino Ratio Rank
TFSL Omega Ratio Rank: 6565
Omega Ratio Rank
TFSL Calmar Ratio Rank: 7979
Calmar Ratio Rank
TFSL Martin Ratio Rank: 7979
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

Return / Risk — by metrics

The table below present risk-adjusted performance metrics for TFS Financial Corporation (TFSL) and compare them to a chosen benchmark (S&P 500 Index).


TFSLBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

1.01

0.90

+0.12

Sortino ratio

Return per unit of downside risk

1.48

1.39

+0.10

Omega ratio

Gain probability vs. loss probability

1.19

1.21

-0.02

Calmar ratio

Return relative to maximum drawdown

2.25

1.40

+0.85

Martin ratio

Return relative to average drawdown

5.75

6.61

-0.86

Explore TFSL risk-adjusted metrics in detail

Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.

Dividends

Dividend History

TFS Financial Corporation provided a 8.04% dividend yield over the last twelve months, with an annual payout of $1.13 per share. The company has been increasing its dividends for 11 consecutive years.


2.00%4.00%6.00%8.00%$0.00$0.20$0.40$0.60$0.80$1.00$1.2020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
Dividend$1.13$1.13$1.13$1.13$1.13$1.13$1.12$1.04$0.84$0.59$0.45$0.34

Dividend yield

8.04%8.45%9.00%7.69%7.84%6.30%6.35%5.28%5.21%3.95%2.36%1.81%

Monthly Dividends

The table displays the monthly dividend distributions for TFS Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
2026$0.00$0.00$0.28$0.28
2025$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$1.13
2024$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$1.13
2023$0.00$0.00$0.28$0.00$0.28$0.00$0.00$0.00$0.28$0.00$0.28$0.00$1.13
2022$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.28$0.00$1.13
2021$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.00$0.28$0.00$0.28$0.00$1.13

Dividend Yield & Payout


Dividend Yield

TFS Financial Corporation has a dividend yield of 8.04%, which means its dividend payment is significantly above the market average.

Payout Ratio

TFS Financial Corporation has a payout ratio of 65.56%, which is quite average when compared to the overall market. This suggests that TFS Financial Corporation strikes a balance between reinvesting profits for growth and paying dividends to shareholders.

Drawdowns

Drawdowns Chart

The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.


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Worst Drawdowns

The table below displays the maximum drawdowns of the TFS Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.

The maximum drawdown for the TFS Financial Corporation was 45.52%, occurring on Sep 22, 2011. Recovery took 694 trading sessions.

The current TFS Financial Corporation drawdown is 7.09%.


Depth

Start

To Bottom

Bottom

To Recover

End

Total

-45.52%Apr 23, 2010359Sep 22, 2011694Jun 27, 20141053
-42.95%Jun 7, 2021488May 12, 2023
-42.45%Mar 5, 202022Apr 3, 2020232Mar 8, 2021254
-26.79%Oct 10, 2007192Jul 15, 200847Sep 19, 2008239
-24.5%Dec 12, 2016292Feb 8, 2018333Jun 7, 2019625

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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Financials

Financial Performance

The chart below illustrates the trends in the financial health of TFS Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.


Annual
Quarterly

0.0

Valuation

The Valuation section provides an overview of how TFS Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.


PE Ratio

The chart displays the Price-to-Earnings (P/E) ratio for TFSL, comparing it with other companies in the Banks - Regional industry. Currently, TFSL has a P/E ratio of 43.5. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.

PEG Ratio

The chart shows the Price/Earnings to Growth (PEG) ratio for TFSL compared to other companies in the Banks - Regional industry. TFSL currently has a PEG ratio of 11.4. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.

PS Ratio

This chart shows the Price-to-Sales (P/S) ratio for TFSL relative to other companies in the Banks - Regional industry. Currently, TFSL has a P/S ratio of 5.0. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.

PB Ratio

The chart illustrates the Price-to-Book (P/B) ratio for TFSL in comparison with other companies in the Banks - Regional industry. Currently, TFSL has a P/B value of 2.1. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.

Income Statement



TTM
Revenue

Total Revenue

Cost Of Revenue

Gross Profit

Operating Expenses

Selling, General & Admin Expenses

R&D Expenses

Depreciation And Amortization

Total Operating Expenses

Income

Income Before Tax

Operating Income

EBITDA

EBIT

Earnings From Continuing Operations

Net Income

Income Tax Expense

Other Non-Operating Income (Expenses)

Extraordinary Items

Discontinued Operations

Effect Of Accounting Charges

Non Recurring

Minority Interest

Other Items

Interest Income

Interest Expense

Net Interest Income

Values in undefined except per share items